About
Ray Lucia Sr. built his career around helping people understand retirement income and the decisions that shape long-term financial security. An American retired Certified Financial Planner, author, and media personality, he is best known for creating the Buckets of Money® retirement strategy. This time-segmented approach influenced how advisors and investors nationwide think about sustainable withdrawals. Over more than three decades in financial services, he served as President and CEO of Raymond J. Lucia Companies, Inc. for more than fifteen years and became a widely followed retirement-planning commentator. Many people also recognized him as the host of The Ray Lucia Show, where he addressed retirement topics with a straightforward, practical style.